Help homeowners achieve their financial goals with Point

Point’s Home Equity Investment (HEI) empowers homeowners to unlock their home equity – with no income requirements, no monthly payments, and no need for perfect credit.

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Pave the path to financial freedom

Point’s HEI is designed to bridge the gap between the homeowners' financial needs and their home's untapped value

Homeowners receive:
Up to $500k in exchange for a share of their future home appreciation
A flexible, 30-year term with no prepayment penalty
The freedom to use their biggest asset when they need it most

Point's Home Equity Investment (HEI) is ideal for homeowners who want to access the equity they have built – while keeping their home, their current mortgage, and their monthly payments the same.

When a referral partner sends a homeowner Point’s way, they can expect:

Top-tier service and homeowner education
Point’s high-rated customer service, dedication to education about our product, and thorough process helps preserve your reputation and your strong relationship with the homeowners you refer.

A partner for a range of financial circumstances
Homeowners can qualify for Point’s HEI as long as their credit score is above 500 and meet other eligibility requirements. Point works with homeowners who are retired, self-employed, or even without income.

Improved financial health for homeowners
Many homeowners who receive an investment from Point use their funds to pay down high-interest debt, get current on their mortgage, and make necessary repairs to their home.

Point Credit Score
No need for
perfect credit
Point No Monthly Payments
No monthly
Point No Income Requirements
No income
Point Home
No need to sell
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It’s easy to become a Point partner

How it Works:

We value our partners and treat each homeowner they send to us with special care. Here’s how to start your journey as a Point partner.

Click to fill out a brief, 2-minute form with information about your business.
Connect with our partnership team to learn more and sign a partnership agreement.
Tell homeowners about Point and get compensated for helping your customers achieve their financial goals.
Thousands homeowners across the United States choose Point for our flexibility and customer service.
Point has a
rating with over
1,600 reviews on Trustpilot.
A loan that made sense for me
"Point were efficient, quick and upfront about all the expenses. After doing the math and looking at other options, Point's deal made the most sense for me."
Awesome push through of funds at the buzzer
"James and His manager Megan seemed to understand my sense of urgency as I was using the money for an investment that had a deadline. James pushed it to closing stage for me and once Megan got involved in the closing it was closed money wired to Fidelity within 1 day, after I was told it could be another 3 days plus wire transfer time. I was close to saying forget it, Megan brought it home!"
Karli Pan
Funded in weeks
My experience from start to end was good beginning at end of April 2024 and funded by start of June 2024. Starting with Andrew and providing all the different required information and forms and ending with Amanda and the closing team members, including the notary, everything went well. I am hopeful all customers encounter the same experience. Make no mistake this is expensive decision I am quite well aware of, that is the only drawback but this was critical and necessary in my situation so I am thankful
We are in a much better situation
"We had significant equity in our house but were turned down for a standard HELOC and it seemed we had no way to access it to pay down debt and take care of other pressing needs. The Point Equity Investment plan allowed us to access our equity and we are in a much better situation because of that. Every contact with Point was met with a responsive representative and timely follow up. Very happy. Thank you!"
Steve Orecchio
Efficiency, understanding and concern. No matter how many people I spoke to your in your organization, everyone was very helpful and courteous. Wish there weren’t as many people to communicate with concerning my HEI, but I guess that is the politics of it all.
Thomas Wyman Pinney
We had a very positive experience
"We had a very positive experience with Point. Everyone we dealt with was very helpful and professional. We would recommend this company to others."
Bravo to Outstanding Service
"Point provided me with outstanding service. I was amazed at how thorough and efficient they were until I went through their process. I highly recommend them."
Customer Service was above and beyond!
"We did a lot of research and read a lot of reviews before deciding to go with point. The experience we had with Point was superior! The process was very smooth, with a lot of correspondence, and questions were answered quickly. They were very honest, upfront and there weren't any hidden fees or costs."

Point in the media

Our innovative products have been featured in top publications.

Business Insider
Point CEO, Eddie Lim made Business Insider's 100 people who are transforming business
Every year, Insider surfaces 100 leaders across 10 industries who are driving unprecedented change and innovation. Lim, the CEO and cofounder of Point, wants to make it easier for people to tap into that wealth. Lim’s company, which he founded alongside Eoin Matthews in 2015, offers homeowners lump sums of cash in exchange for a stake in their home.
Read this article
Point closes on $115M to give homeowners a way to cash out on equity in their homes
Historically, homeowners could only tap into the equity of their homes by taking out a home equity loan or refinancing. But a new category of startups have emerged in recent years to give homeowners more options to cash in on their homes in exchange for a share of the future value of their homes.
Read this article